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Our commitment to transparency goes beyond the initial stages of the mortgage process. We ensure that you have a clear understanding of your mortgage terms, including interest rates, fees, and closing costs. There are no surprises on the closing day. We're dedicated to providing you with straightforward, jargon-free explanations, so you can confidently navigate the financial aspects of your home purchase or refinance. Written Verification Of Employement , Top Mortgage Lender In California , Conventional Loan Dti Limits 2021 , Your financial goals are unique, and we believe your mortgage should reflect that. At AAA LENDINGS, we provide a range of loan options, each tailored to different financial scenarios. Whether you're a young professional seeking your first home, a growing family in need of more space, or a savvy investor expanding your real estate portfolio, we have loan programs designed to meet your specific needs. We understand that your financial journey is distinctive, and our mortgage solutions are crafted to keep you engaged and excited about your future.
– AAA Lendings Portfolio Program – AAA Lendings Detail:

Portfolio Program

Overview

Portfolio Bank Statement
Portfolio DSCR
Portfolio Foreign National DSCR

* Retail Only

Details

1) 5/6 ARM 30 Day Average SOFR (5/1/5);
2) Buydown ratio under par 1:2;
3) Range of Loan Amount $500,000 – $5,000,000.

* Buyup ratio over par unacceptable

What’s this program?

 Portfolio Bank Statement 

1) Lender Fee same as portfolio program;

2) Trust/Entity Review, if applicable $300;

3) TX Doc Review, if applicable $150;

4) Bank Statement Income LTV Max 65%;

5) Bank Statement – Interest Only Max LTV 60%;

6) Minimum Loan Amount $500,000;

7) Foreign National – Not Eligible;

8) 18-Month Pre-Payment Penalty is equal to 6 months interest.

 

 Portfolio DSCR 

1) Lender Fee same as portfolio program;

2) Trust/Entity Review if applicable $300;

3) TX Doc Review if applicable $150;

4) Minimum Loan Amount $500,000;

5) Foreign National – Not Eligible;

6) Minimum DSCR 1.000;

7) Loan Made to Natural Person – No Entity Borrowers;

8) 2-4 Unit Property Eligible and 5% Reduction in Max LTV/CLTVs on Matrix;

9) 18-Month Pre-Payment Penalty is equal to 6 months interest.

 

 Portfolio FN DSCR 

1) Lender Fee same as portfolio program;

2) Trust/Entity Review if applicable $300;

3) TX Doc Review if applicable $150;

4) Foreign National Review $250;

5) Minimum Loan Amount $500,000;

6) Minimum DSCR 1.000;

7) Interest Only – Not Allowed;

8) Power of Attorney – Not Allowed;

9) Pre-Payment Penalty (Investor only) is 18 months and equal to 6 months interest.

How to Calculate Portfolio DSCR?

DSCR shall be calculated as follows: DSCR = *Net Rental Income ÷ Qualifying Monthly Payment (P and I only);

*Net Rental Income = Gross Rents * (1 – Expense Factor);

Expense Factors: Property without HOA = 25%, Property with HOA = 30%;

Rent will be the lesser of: Current lease income or the amount on the 1007 provided by the appraiser showing the estimated market rent schedule.


Product detail pictures:

– AAA Lendings Portfolio Program – AAA Lendings detail pictures


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AAA LENDINGS takes pride in our community involvement and social responsibility. We believe that being a responsible lender means giving back to the communities we serve. Our team actively participates in charitable initiatives, supporting local causes, and promoting financial literacy. We're not just in the business of providing loans; we're invested in making a positive impact on the lives of our clients and the communities they call home. – AAA Lendings Portfolio Program – AAA Lendings , The product will supply to all over the world, such as: Guinea , Namibia , Malawi , Based on our automatic production line, steady material purchase channel and quick subcontract systems have been built in mainland China to meet customer's wider and higher requirement in recent years. We are looking forward to cooperating with more clients worldwide for common development and mutual benefit!Your trust and approval are the best reward for our efforts. Keeping honest, innovative and efficient, we sincerely expect that we can be business partners to create our brilliant future!
  • This is the first business after our company establish, products and services are very satisfying, we have a good start, we hope to cooperate continuous in the future!
    5 Stars By Dawn from Angola - 2018.10.31 10:02
    The factory has advanced equipment, experienced staffs and good management level, so product quality had assurance, this cooperation is very relaxed and happy!
    5 Stars By Christine from Australia - 2017.04.08 14:55